DiskarTech, first all-in-one “Taglish” financial mobile app to serve as a convenient and reliable platform for digital banking and quick healthcare solutions


Over the week, a new mobile application that aims to cater to the unbanked and underserved Filipinos, especially those living in grassroots communities, and bring them into the formal financial system, was launched in the Philippines. DiskarTech features an all-in-one “Taglish” inclusion app developed by Rizal Commercial Banking Corporation (RCBC).

This app will serve as a reliable and convenient platform for multiple useful features including sachet banking products, digital banking services, and even quick healthcare solutions.

What can users benefit from DiskarTech? 

  • High interest rate - Users can enjoy a 3.25% interest per annum on savings
  • #BuhayGinhawa - a goal-oriented digital savings tracker where users can choose to set their financial goals. The app will then help plan and determine how much they need to save per month to meet their targets.
  • Telemedicine - With partner digital clinic iDoc DiskarTech offers affordable healthcare package with a rate of P799.20 annually to support Filipinos who need to access immediate off-site medical consultation and assistance from doctors.
  • Basic financial services - These include sending money to family and friends, online bills payments for utilities and government services, cash withdrawals from partner retailers and RCBC ATMs, purchase of airtime load and gaming e-pins, and fund transfers to over 30 banks and mobile wallets using InstaPay.
  • Skills marketplace and microinsurance products - soon to be available in app
  • DTI partnership - Through a partnership with the Department of Trade and Industry, 3 million sari-sari stores are now given capability to use DiskarTech. Users can go to their neighborhood sari-sari stores and do the following:

E-load (telco, electricity, e-games); Bills payment; Fund transfers; Insurance; Cash in; Loan repayment; and Cash out

How to open a digital savings account in DiskarTech?

Opening a DiskarTech digital savings account does not require an initial deposit amount or maintaining balance. Users can easily create their own basic deposit accounts in DiskarTech through one-time registration via electronic know-your-customer (eKYC) process. To join, users simply must follow the following steps:

  1. Open the app and click “Gumawa ng Account” (Create an Account)
  2. Provide name and mobile number. Enter the one-time password that will be sent to the phone.
  3. Prepare any valid ID for the eKYC digital process. It will require the applicant to take a photo of the ID and record a video selfie.
  4. Wait for a few seconds to get verified and start depositing to DiskarTech.

Which IDs are accepted by DiskarTech?

There is a list that specifies the IDs which can be used to open a DiskarTech account. Under the list are the following IDs that you can submit for registration to open your DiskarTech account. These are: UMID, Postal ID, SSS ID, PRC ID, Driver’s License, Passport, TIN ID, and Voter’s ID.

Features and services

Once you’re verified, you’ll be able to use your DiskarTech app and do most of the banking transaction on your smartphone.

You can also send or receive funds; pay your bills and government payment dues; load your prepaid mobile or E-pins; and get access to Telemedicine feature which will connect you to healthcare providers and access their online healthcare services. For now, the only service available is iDoc Basic Plan where you can subscribe for P799.20 for one year and 3 months.

iDoc Telemedicine Package offers unlimited non-emergency telehealth consultation with DiskarTech licensed doctors and medical professionals via phone, SMS, email, chatbots, and iDoc application.

What is the most frequent transaction done by users in the app?

The app’s monthly active user (MAU) rate is recorded at over 70%. MAU is among the key performance indicators that measures customers doing at least one transaction in the app. Most frequent transactions in the app include cash deposits, telco load purchases, and fund transfers.

Since its launch, DiskarTech has seen an influx of downloads and new registrants. As of August 7, the virtual bank has already reached 1,031,821 total users, with download rate as high as 1.3 downloads per second. It has even topped the list among the free finance apps in Google Play for Android users in its first month.

DiskarTech app is free for download on the Google Play Store and App Store.